KR20110045366A - smart card having multiple contact and mobile terminal using it - Google Patents

Abstract

PURPOSE: A smart card including multiple contacts of a mobile terminal is provided to selectively offering a dual interface function or an NFC(Near Field Communication) function. CONSTITUTION: A dual interface chip(120) built in a substrate offers financial information for a first mobile terminal. An SWP(Single Wire Protocol) chip(110) is laminated on the dual interface chip and offer financial information for a second mobile terminal. The SWP chip forms multiple point by connecting some parts of the dual interface chip. If the SWP chip is mounted in the second mobile terminal, the SWP chip is connected to the NFC chip and offers the financial information in order to process a payment through an RFID antenna which is connected to the NFC chip.

Description

Smart card having multiple contact and mobile terminal using it}

The present invention relates to a smart card having multiple contacts and a mobile terminal using the same.

In general, a smart card refers to a card that can store a large amount of information by mounting an integrated circuit (IC) memory device. A small card having its own operating system without an input device such as a keyboard and an output device such as a monitor is present. Can be viewed on a computer That is, a smart card functions as a central processing unit (CPU) called a microprocessor, a read only memory (ROM) in which system programs such as an operating system are stored, a random working memory (RAM), and a hard disk of a computer. EEPROM (Electrically Erasable Programmable Read Only Memory) is provided.

Such smart cards can be classified into various types according to their classification criteria, but can be classified into contact cards and contactless cards according to the way data is read.

However, such a contact card and a contactless card are almost incompatible with each other, so a smart and contactless smart card has been developed one step from the current card system to absorb both contact and contactless methods with a single mobile terminal. Dual I / F cards or combi interface cards have been developed that integrate and operate on the cards. In other words, the dual I / F card transmits and receives user information through a contact interface and communicates with an external device through a contactless interface, for example, a separate RFID antenna.

Accordingly, the mobile terminal using the dual I / F card provides a payment function, such as a transportation card function or the like, by prepaid charging from an external device or paying a predetermined fee from the charged amount through the contactless interface of the dual I / F card. It may include.

In addition, with the development of near field communication technology, a smart card using NFC (Near Field Communication) technology has been developed. In order to use such a smart card, a mobile terminal must embed an NFC chip. NFC chip is a chip that can simultaneously perform the tag function with the RFID reader function in the 13.56 MHz band to enable short-range data communication.

The mobile terminal equipped with the NFC chip is capable of contactless data compatibility with mobile phones, home appliances, and PCs, thereby realizing various electronic payment functions such as a transportation card function without touching the payment terminal.

However, until now, the mobile terminal using the smart card with dual I / F function and the mobile terminal using the smart card with NFC function are not compatible with each other. There is a problem that it is difficult to use the function other than the terminal.

The present invention is to solve the above problems of the prior art, by having a dual I / F chip and SWP chip in one smart card by sequentially stacking the dual I / F chip and SWP chip to have multiple contacts, The present invention provides a smart card having multiple contacts for providing dual I / F function and NFC function and a mobile terminal using the same.

According to the present invention, dual I / F chips and SWP chips are provided in one smart card, but the dual I / F chips and SWP chips are sequentially stacked to have multiple contacts, thereby providing efficient financial services to both combi and NFC terminals. The present invention provides a smart card having multiple contacts and a mobile terminal using the same.

The present invention is provided with a dual I / F chip and SWP chip in one smart card, but by sequentially stacking the dual I / F chip and SWP chip to have a multi-contact, a multi-contact to improve the user convenience It is to provide a smart card and a mobile terminal using the same.

To this end, a smart card having a multi-contact according to an aspect of the present invention comprises a dual I / F chip is formed to be embedded on the substrate and provides financial information for the first mobile terminal; And a SWP chip stacked on the dual I / F chip to form a plurality of contacts in contact with a portion of a terminal of the dual I / F chip and providing financial information for a second mobile terminal.

Preferably, when the SWP chip is mounted to the second mobile terminal, the payment terminal and payment processing for the predetermined payment terminal through the RFID antenna connected to the NFC chip embedded in the second mobile terminal connected to the NFC chip The financial information may be provided and personal information for call processing and terminal information for function setting may be provided to the second mobile terminal.

When the SWP chip is mounted in the first mobile terminal, the SWP chip may provide personal information for call processing and terminal information for setting a function to the first mobile terminal.

The dual I / F chip may be connected to the RFID antenna of the first mobile terminal to provide a predetermined payment terminal and the financial information.

In addition, the present invention may be formed integrally by sequentially stacking the dual I / F chip and the SWP chip on one substrate. And the present invention is integrated with the dual I / F chip is formed on one substrate and the SWP chip is stacked on top of the dual I / F chip, the SWP chip is removable on the dual I / F chip It can be mounted as.

According to an aspect of the present invention, a mobile terminal using a smart card having multiple contacts includes a smart card formed by sequentially stacking dual I / F chips and SWP chips on one substrate; A baseband chip connected to the SWP chip for processing personal information for call processing and terminal information for function setting; And an antenna for RFID connected to the dual I / F chip to transmit / receive financial information for payment processing with a predetermined payment terminal.

In this case, when the baseband chip receives an Answer To Reset (ATR) signal from the smart card, the baseband chip may determine whether the smart card supports the NFC function based on the ATR signal.

In addition, the baseband chip may be connected to the SWP chip to send and receive data based on the ISO 7816 standard. The RFID antenna may exchange data with the predetermined payment terminal based on the ISO 14443 standard.

According to an aspect of the present invention, a mobile terminal using a smart card having multiple contacts includes a smart card formed by sequentially stacking dual I / F chips and SWP chips on one substrate; A baseband chip connected to the SWP chip for processing personal information for call processing and terminal information for function setting; And an NFC chip connected to the SWP chip to process financial information for a predetermined payment terminal and payment processing.

At this time, the present invention may further include an antenna for RFID connected to the NFC chip for transmitting and receiving financial information for a predetermined payment terminal and payment processing.

In addition, the NFC chip is connected to the SWP chip of the smart card can send and receive data based on the SWP.

Hereinafter, a smart card having multiple contacts and a mobile terminal using the same according to an embodiment of the present invention will be described in detail with reference to FIGS. 1 to 6. That is, the present invention provides a dual I / F chip or dual I / F chip for dual I / F (dual interface) function and a single wire protocol (SWP) chip for NFC function in a single smart card, but dual I / F chip. By stacking the F chip and the SWP chip in order to have multiple contacts, one smart card is intended to provide both dual I / F and NFC functions.

In this case, a smart card is a card that is equipped with an integrated circuit (IC) memory element to hold a large amount of information and is mounted on or detachably connected to a mobile terminal. For example, a SIM (Subscriber Identification Module) card, The concept may include a user identification module (UIM) card, a remote user identification module (RUIM) card, a universal subscriber identification module (USIM) card, a financial card, and the like.

These smart cards act as central processing units (CPUs) called microprocessors, read-only memory (ROM) where system programs such as the operating system are stored, random access memory (RAM) as a temporary working space, and the hard disk of a computer. EEPROM (Electrically Erasable Programmable Read Only Memory) is provided.

In addition, the mobile terminal is an electronic device that can be built in or detachably equipped with a smart card, for example, a concept encompassing a mobile phone, a PDA, a notebook, and the like.

1 is an exemplary view showing the structure of a smart card according to an embodiment of the present invention.

As shown in FIG. 1, a smart card according to the present invention is a card for providing both dual I / F and NFC functions, and a dual I / F chip 120 and a SWP on one substrate 130. The chips 110 and the like may be sequentially stacked to have multiple contacts.

This is a terminal using a smart card to which the dual I / F chip 120 is applied (hereinafter referred to as a combination terminal) and a terminal using a smart card to which the SWP chip 110 is applied (hereinafter referred to as an NFC terminal). This is to make it available.

Dual I / F or Combi I / F technology is used to integrate contact and contactless card functions, allowing the integration of different operating elements into a single card by sharing internal resources.

In addition, NFC (Near Field Communication) technology is developed from Radio Frequency Identification (RFID) technology and is internationally standardized by the NFC Forum, and has a frequency of 13.56 MHz and a frequency range of about 5 to 10 cm. It refers to a technology capable of bidirectional data communication at a short distance, and can be used in various services such as transportation, tickets, and payments.

Such smart cards include various protocols such as Single Wire Protocol (SWP), ISO 7816 standard, and ISO 14443 standard, which will be briefly described as follows.

First, 1) SWP means standard for signal connection by using one line between NFC chip and smart card in mobile terminal, and 2) ISO 7816 standard defines standard for signal connection between mobile terminal and smart card. And 3) ISO 14443 standard means a standard for signal connection of a contactless IC card.

First, as shown in FIG. 1A, the dual I / F chip 120 and the SWP chip 110 may be sequentially stacked on one substrate 120 to be integrally formed. The smart card and the combination terminal and the NFC terminal uses the dual I / F function and the NFC function, respectively, common personal information, and terminal information using the SWP chip located at the top, but payment information or financial information Different chips are used. In other words, in using the financial information, the NFC terminal uses the SWP chip located at the top, and the combination terminal uses the dual I / F chip located at the bottom.

In addition, as shown in FIG. 1B, the dual I / F chip 120 and the SWP chip 110 may be detachably formed to be detachable. That is, after the smart card is formed to embed only the dual I / F chip 120 on one substrate 130, the SWP chip 110 may be mounted or detached through the coupling part 130a as necessary. can do.

At this time, as described below, six of the eight pins of the dual I / F chip 120 located at the bottom and the six pins of the SWP chip 110 located at the top are connected to each other to form a multi-contact. .

2 is an exemplary view showing the pin configuration of the dual I / F chip and SWP chip according to an embodiment of the present invention.

As shown in FIG. 2, first, the dual I / F chip 220 has eight pins or terminals in accordance with the ISO 7816 standard, wherein the eight terminals are C2-1 for power supply terminals (Vcc) and C2-. 2 is initialization input terminal (RST), C2-3 is clock terminal (CLK), C2-4 is antenna terminal (RF +), C2-5 is ground terminal (GND), C2-6 is unused spare terminal, C2- 7 denotes an input / output terminal (ISO) and C2-8 denotes an antenna terminal (RF-).

In particular, the two terminals C2-4 and C2-8 are connected to an antenna for RFID using a frequency of 13.56 MHz to process data through an external device in a non-contact manner, and the remaining six terminals C2-1, C2-2, C2-3, C2-5, C2-6, and C2-7 are connected to the circuit of the mobile terminal to process data through the baseband chip of the mobile terminal.

In addition, the SWP chip 210 has six pins or terminals according to the ISO 7816 standard. C1-1 is a power supply terminal (Vcc), C1-2 is an initialization input terminal (RST), and C1-3 is a clock terminal ( CLK), C1-5 are the ground terminals GND, C1-6 are the input / output terminals SWP, and C1-7 are the input / output terminals ISO.

In particular, one terminal C1-6 is connected to the NFC chip of the mobile terminal and the RFID antenna using a frequency of 13.56 MHz band to process data through an external device in a non-contact manner, the other five terminals C1-1, C1 -2, C1-3, C1-5, and C1-7 are connected to the circuit of the mobile terminal to process data through the baseband chip of the mobile terminal.

Among these terminals, terminal C1-6 of the SWP chip 210 exchanges data based on SWP, and terminal C1-7 of the SWP chip 210 and terminal C2-7 of the dual I / F chip 220 Data is exchanged based on the ISO 7816 standard, and terminals C2-4 and C2-8 of the dual I / F chip 220 may exchange data based on the ISO 14443 standard.

3 is an exemplary view showing a smart card linked to the NFC terminal according to an embodiment of the present invention.

As shown in FIG. 3, the NFC terminal 330 uses only the SWP chip 310 of the smart card 300, that is, the baseband chip 340 of the NFC terminal 330 is the smart card 300. Connected to No. 7 terminal C1-7 of the SWP chip 310 of the data exchange based on the ISO 7816 standard NFC chip 360 of the NFC terminal 330 of the SWP chip 310 of the smart card 300 It is connected to No. 6 terminal C1-6 to send and receive data based on SWP.

For example, the baseband chip 340 of the NFC terminal 330 is used for call processing such as voice, video call, and wireless Internet stored in the SWP chip 310 of the smart card 300 through terminal C1-7. Personal information such as ESN (Electrical Serial Number) and MIN (Mobile Identification Number) or terminal information for function setting such as a phone book is used, and the NFC chip 360 of the NFC terminal 330 is terminal 6 Through C1-6, financial information for payment processing such as account number, charge amount, and user authentication stored in the SWP chip 310 of the smart card 300 is used.

4 is an exemplary view for explaining the operating principle of the NFC terminal according to an embodiment of the present invention.

As shown in FIG. 4, all IC cards of the ISO 7816 standard start to operate based on an Answer To Reset (ATR) signal that responds according to the RST (Reset) signal of the mobile terminal, that is, the smart card is an NFC terminal. When installed in the power is supplied to the NFC terminal transmits the RST signal to the smart card (S410), in response to the smart card may transmit the ATR signal to the NFC terminal (S420).

At this time, the ATR signal is a signal indicating what function the smart card has, for example, may include a protocol, transmission rate, and whether or not SWP support.

Briefly, 1) a protocol indicates a unit of data to be processed. For example, when T = 0, data is processed in 1 byte units, and when T = 1, data is processed in 2 byte units. 2) Transmission speed represents the data transmission speed between the mobile terminal and the smart card. 3) Whether SWP is supported indicates whether or not terminal 6 supporting SWP is connected.

When the NFC terminal receives the ATR signal, the NFC terminal may check whether the smart card supports the NFC function based on the received ATR signal. In other words, if it is confirmed that NFC terminal 6 is connected to the ATR signal that SWP is supported, it is equipped with a smart card that supports both dual and NFC functions. It becomes possible.

NFC terminal supports NFC function, so it is connected with terminal 6 of smart card.

Subsequently, the baseband chip of the NFC terminal may process, change, store, or delete data through terminal 7 of the SWP chip located on the top of the smart card based on ISO 7816. For example, when the baseband chip of the NFC terminal transmits a request message requesting a change of the phone book to the SWP chip (S430), the SWP chip changes the phone book (S440) and notifies the change of the phone book in response thereto. The response message is transmitted to the baseband chip (S450).

In addition, when the NFC chip of the NFC terminal receives data from an external device based on ISO 14443 through an antenna for RFID using a 13.56 MHz frequency, the NFC chip is SWP through the 6th terminal of the SWP chip located at the top of the smart card. Based on the data of the external device can be processed. For example, when a traffic card reader, which is an external device, requests a charge amount to the NFC chip, the NFC chip transmits a request message requesting the charge amount to the SWP chip (S460), whereby the SWP chip retrieves the charge amount ( S470) in response to this, a response message indicating the charge amount is transmitted to the NFC chip (S480).

5 is an exemplary view showing a smart card linked to the combination terminal according to an embodiment of the present invention.

As shown in FIG. 5, the combination terminal 530 uses both the SWP chip 510 and the dual I / F chip 520 of the smart card 500, that is, the baseband of the combination terminal 530. The chip 540 is connected to the 7th terminal C1-7 of the SWP chip 510 of the smart card 500 to exchange data based on the ISO 7816 standard, the RF antenna 570 of the combi terminal 530 is smart It is directly connected to the fourth terminal C2-4 and the eighth terminal C2-8 of the dual I / F chip 520 of the card 500 can exchange data based on the ISO 14443 standard.

For example, the baseband chip 540 of the combi terminal 530 is an ESN (electrical) for voice, video call, and wireless Internet stored in the SWP chip 510 of the smart card 500 through terminal C1-7. Personal information such as a serial number) and a mobile identification number (MIN), or terminal information such as a phone book, and the like, and the RF antenna 570 of the combination terminal 530 has terminals 4, C2-4 and 8, Through C2-8, financial information such as account number, charge amount, and user authentication stored in the dual I / F chip 520 of the smart card 500 is used.

6 is an exemplary view for explaining an operating principle of the combination terminal according to an embodiment of the present invention.

As shown in FIG. 6, all IC cards of the ISO 7816 standard start to operate based on an ATR (Answer To Reset) signal that responds according to the RST (Reset) signal of the terminal, that is, the smart card is connected to the combination terminal. When the power is supplied, the combination terminal transmits the RST signal to the smart card (S610), and in response, the smart card transmits the ATR signal to the combination terminal (S620).

Thus, when the combi terminal receives the ATR signal, it can check whether the smart card supports the NFC function based on the received ATR signal. In other words, if the Combi terminal confirms that the 6th terminal supporting SWP is not connected to the ATR signal, it is equipped with a smart card that supports both dual I / F and NFC functions. Payment or financial services will be available.

Combi terminal does not support NFC function, so it is not connected to terminal 6 of smart card.

Subsequently, the baseband chip of the combi terminal can process, change, store, or delete data through terminal 7 of the SWP chip located on the top of the smart card based on the ISO 7816 standard. For example, when the baseband chip of the combi terminal transmits a request message requesting a change of the phone book to the SWP chip (S630), the SWP chip changes the phone book (S640) and informs of the change of the phone book in response thereto. The response message is transmitted to the NFC terminal (S650).

In addition, the SWP chip of the smart card can process data of an external device input through terminals 4 and 8 connected to the antenna for RFID using the 13.56 MHz frequency of the combi terminal based on the ISO 14443 standard. For example, when the traffic card reader, which is an external device, transmits a request message requesting the charge amount (S660), the SWP chip of the smart card retrieves the charge amount (S670) and sends a response message indicating the charge amount in response thereto. The transmission is made to the device (S680).

As described above, the present invention includes dual I / F chip and SWP chip in one smart card, but sequentially stacks dual I / F chip and SWP chip to have multiple contacts, thereby allowing dual I / F and NFC functions to be selectively selected. It may be possible to provide efficient financial services to both the combination terminal and NFC terminal.

In addition, the present invention can provide a financial service through a single smart card that supports the dual I / F function and NFC function, it is possible to improve the convenience of the user.

According to the present invention, a smart card having multiple contacts and a mobile terminal using the same may be modified and applied in various forms within the scope of the technical idea of the present invention and are not limited to the above embodiments. In addition, the embodiments and drawings are merely for the purpose of describing the contents of the invention in detail, not intended to limit the scope of the technical idea of the invention, the present invention described above is common knowledge in the technical field to which the present invention belongs As those skilled in the art can have various substitutions, modifications, and changes without departing from the technical spirit of the present invention, it is not limited to the above embodiments and the accompanying drawings, of course, and not only the claims to be described below but also claims Judgment should be made including scope and equivalence.

1 is an exemplary view showing the structure of a smart card according to an embodiment of the present invention,

2 is an exemplary view showing the pin configuration of the dual I / F chip and SWP chip according to an embodiment of the present invention,

3 is an exemplary view showing a smart card linked to the NFC terminal according to an embodiment of the present invention,

4 is an exemplary view for explaining the operating principle of the NFC terminal according to an embodiment of the present invention,

5 is an exemplary view showing a smart card linked to the combination terminal according to an embodiment of the present invention,

6 is an exemplary view for explaining an operating principle of the combination terminal according to an embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

100, 300, 500: smart card

110, 210, 310, 510: SWP chip

120, 220, 320, 520: Dual I / F Chips

130: substrate

330, 530: mobile terminal

340, 540: baseband chip

350, 550: antenna

360: NFC chip

370, 570: antenna for RFID

Claims (13)

A dual I / F chip formed to be embedded on a substrate and providing financial information for the first mobile terminal; And A SWP chip stacked on the dual I / F chip and connected with a portion of terminals of the dual I / F chip to form multiple contacts and providing financial information for a second mobile terminal. Smart card having multiple contacts comprising a. According to claim 1, The SWP chip, When mounted to the second mobile terminal, It is connected to the NFC chip embedded in the second mobile terminal to provide the financial information for payment processing with a predetermined payment terminal through the RFID antenna connected to the NFC chip, And providing personal information for call processing and terminal information for function setting to the second mobile terminal. The method according to claim 1 or 2, The SWP chip, When mounted to the first mobile terminal, And providing personal information for call processing and terminal information for function setting to the first mobile terminal. The method according to claim 1 or 2, The dual I / F chip, Smart card having a multi-contact, characterized in that connected to the RFID antenna of the first mobile terminal to provide a predetermined payment terminal and the financial information. The method according to claim 1 or 2, A smart card having multiple contacts, wherein the dual I / F chip and the SWP chip are sequentially stacked on one substrate to be integrally formed. The method according to claim 1 or 2, The dual I / F chip is built-in on one substrate, and the SWP chip is stacked on the dual I / F chip, and the SWP chip is detachably mounted on the dual I / F chip. A smart card having multiple contacts. A smart card formed by sequentially stacking dual I / F chips and SWP chips on one substrate; A baseband chip connected to the SWP chip for processing personal information for call processing and terminal information for function setting; And RFID antenna connected to the dual I / F chip for transmitting and receiving financial information for payment processing with a predetermined payment terminal Mobile terminal using a smart card having a multi-contact including a. 8. The method of claim 7, The baseband chip, When receiving an Answer To Reset (ATR) signal from the smart card, it is possible to determine whether the smart card supports the NFC function based on the ATR signal, the mobile terminal using a smart card having multiple contacts. The method according to claim 7 or 8, The baseband chip, A mobile terminal using a smart card having multiple contacts, characterized in that connected to the SWP chip to send and receive data based on the ISO 7816 standard. The method according to claim 7 or 8, The RFID antenna, A mobile terminal using a smart card having multiple contacts, characterized in that the data exchange with the predetermined payment terminal based on the ISO 14443 standard. A smart card formed by sequentially stacking dual I / F chips and SWP chips on one substrate; A baseband chip connected to the SWP chip for processing personal information for call processing and terminal information for function setting; And NFC chip connected to the SWP chip for processing financial information for a predetermined payment terminal and payment processing Mobile terminal using a smart card having a multi-contact including a. 12. The method of claim 11, RFID antenna connected to the NFC chip for transmitting and receiving financial information for payment processing with a predetermined payment terminal A mobile terminal using a smart card having multiple contacts further comprising. The method of claim 11 or 12, The NFC chip, A mobile terminal using a smart card having multiple contacts, characterized in that connected to the SWP chip of the smart card to send and receive data based on the SWP.

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